Two real changes in Acura's April 2026 programs, two carryovers. The changes: the MDX Type S finally gets the 0.00191 rate — it ran at 0.0028 all of 2026 until now — and the ADX 2026 replaces the 2025 with a new rate of 0.00202 (4.85% APR). The carryovers: RDX at 0.00147 (3.53% APR) and non-Type-S Integra at 0.00181 (4.34% APR) are identical to March, term traps included.
The wrinkle on the MDX: Acura pulled all universal incentives. March had $2,000 Captive Lease Cash available to every AFS lessee, plus up to $5,500 in loyalty programs stacked on top (max $7,750 for full loyalty stackers). April has $0 universal — only conditional programs up to $3,750 max. The rate didn't change, but without the universal floor, the real payment is higher than March for every buyer segment. The new 42-month term also appeared across all models — MDX keeps the 0.00191 rate flat, but RDX, Integra, and ADX jump to 0.00295 (7.08%) at 42 months.
4.58%
MDX APR — all trims
Type S joins at 0.00191
$0
MDX universal CCR
Was $2,000 in March ($7,750 w/ full loyalty)
4.85%
ADX 2026 APR
MF 0.00202, 62% RV base
7.08%
42-mo trap (RDX/Integra/ADX)
MDX stays flat at 0.00191
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April Rate Map: Terms, Traps, and the New 42-Month Option
A 42-month term appeared on every 2026 model this month. For the MDX it doesn't cost anything — the rate stays flat at 0.00191. For the RDX, Integra, and ADX, 42 months carries the same 0.00295 rate as 39 months — and 39 months is already a trap for those models. The structure otherwise looks identical to March: 24 and 36 months are the same rate on the RDX and non-Type-S Integra, and the 39-month rate is where they both get hit.
| Model | 24-mo MF | 36-mo MF | 39-mo MF | 42-mo MF | Trap? |
|---|---|---|---|---|---|
| MDX 2026 (all trims) | 0.00191 | 0.00191 | 0.00191 | 0.00191 | None |
| RDX 2026 | 0.00147 | 0.00147 | 0.00280 | 0.00295 | 39/42-mo trap |
| Integra 2026 (non-Type S) | 0.00181 | 0.00181 | 0.00280 | 0.00295 | 39/42-mo trap |
| Integra Type S | 0.00380 | 0.00280 | 0.00280 | 0.00295 | 24-mo trap |
| ADX 2026 | 0.00202 | 0.00202 | 0.00280 | 0.00295 | 39/42-mo trap |
MF × 2400 = approximate APR. MDX is the only model with a flat rate across all four terms. The 42-month term is new this month — avoid it on anything other than the MDX. 0.00295 = 7.08% APR.
MDX 2026 — Type S Joins the Program, Incentive Disappears
The MDX Type S finally gets 0.00191 (4.58% APR) in April — same rate as every other 2026 MDX trim since January. Until now, the Type S sat at 0.0028 (6.72% APR) while the rest of the lineup got the favorable rate. That gap is closed. A Type S at 0.00191 with a 54% residual is still an expensive lease, but the rent charge drops from ~$333/month to ~$227/month on that car — a $106/month improvement from rate alone.
The headwind: Acura eliminated the universal floor entirely. March had $2,000 Captive Lease Cash available to every AFS lessee — no eligibility required. On top of that, loyalty stackers could add $3,000 Allegiance Loyalty + $1,500 AFS Lease Loyalty + $1,000 MDX Loyalty = $5,500 more, reaching $7,750 total. Non-Acura owners could add $1,000 Conquest for $3,000 total. April has none of that — $0 universal. April's loyalty programs stack: Allegiance $750 + MDX AFS Loyalty $1,000 + AFS Lease Loyalty $1,500 = $3,250 total for existing Acura lessees. Conquest (new-to-Acura) = $1,000 — mutually exclusive with loyalty. Military +$750 and college grad +$500 stack on top of either route. Best-case customer stack is $3,250 loyalty + $750 military + $500 college = $4,500 (loyalty route); non-Acura no military/college buyers get conquest-only $1,000. MDX Type S exception: only Allegiance $750 — no AFS loyalty, no conquest program. There is also $2,000 in dealer incentive cash (Captive Lease Offer, non-Type-S only), separate from customer rebates, pass-through not guaranteed. The MF and residuals are identical to March — the payment delta is entirely incentives.
| MDX Trim (2026) | MSRP | MF (all terms) | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|
| FWD | $53,250 | 0.00191 | 59% | ~$768 |
| SH-AWD | $55,450 | 0.00191 | 59% | ~$800 |
| FWD w/Technology | $58,650 | 0.00191 | 57% | ~$877 |
| SH-AWD w/Technology | $60,850 | 0.00191 | 57% | ~$909 |
| SH-AWD A-Spec | $62,400 | 0.00191 | 57% | ~$932 |
| SH-AWD w/Advance | $68,350 | 0.00191 | 54% | ~$1,074 |
| SH-AWD A-Spec Advance | $70,350 | 0.00191 | 54% | ~$1,106 |
| Type S SH-AWD w/Advance ↓ rate cut | $77,300 | 0.00191 | 54% | ~$1,215 |
*Pre-tax, 36mo/12K, cap cost = MSRP (no incentive applied — base incentive is $0 in April). MF is identical at 24, 36, 39, and 42 months for all MDX trims.
MDX Type S — Before vs After Rate Cut (36-month / 12K miles)
MDX SH-AWD ($55,450) — March vs April by buyer type
Rate (0.00191) and residual (59%) unchanged. Every buyer pays more — the magnitude depends entirely on March eligibility.
MDX Verdict
The rate structure is the best in Acura's lineup — 4.58% flat across all terms including the new 42-month option. But April is worse than March for every buyer. Standard buyers lose the $2,000 universal floor (+$59/mo). Loyalty stackers lose the most — $7,750 down to $1,500 means +$185/mo even after applying the new loyalty program. Conquest buyers: March $3,000 vs April $1,000 (+$59/mo). Ask your dealer about the $2,000 dealer cash — it's separate and may be passed through. The Type S rate cut is the real good news: at 0.00191 it makes sense on its own merits for the first time this year — ~$1,215/mo pre-tax vs $1,321/mo. Still a big payment, but no longer on a punishing rate. FWD and SH-AWD base trims remain the value trims; the Advance residual cliff is unchanged (54% vs 57%).
RDX 2026 — 3.53% APR, Unchanged from March
The 2026 RDX program is identical to March: 0.00147 (3.53% APR) at 24 and 36 months, no penalty for the shorter term. The 39-month trap at 0.0028 (6.72%) is still there. April added a 42-month option at 0.00295 (7.08%) — worse than 39 months and pointless to consider. Residuals are unchanged trim by trim: 60% at the base SH-AWD, stepping down to 57% at Advance and A-Spec Advance.
Incentives are $0 universal. Loyalty programs stack: Allegiance $750 + RDX AFS Loyalty $1,000 + AFS Lease Loyalty $1,500 = $3,250 total. Conquest (new-to-Acura) = $1,000, mutually exclusive with loyalty. Military +$750, college grad +$500 stack on either route. Loyalty-route max = $4,500; conquest-only max = $2,250. There is also $500 in dealer cash (Captive Lease Offer), pass-through not guaranteed. This is roughly in line with March, so the effective payment range didn't shift meaningfully.
| RDX Trim (2026) | MSRP | MF (24/36mo) | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|
| SH-AWD | $46,550 | 0.00147 | 60% | ~$627 |
| SH-AWD w/Technology | $49,150 | 0.00147 | 59% | ~$675 |
| SH-AWD A-Spec | $52,150 | 0.00147 | 58% | ~$730 |
| SH-AWD w/Advance | $54,300 | 0.00147 | 57% | ~$774 |
| SH-AWD A-Spec Advance | $56,300 | 0.00147 | 57% | ~$802 |
*Pre-tax, 36mo/12K, cap cost = MSRP (no base incentive). 24 and 36-month rate is identical. 39-month MF is 0.0028 (6.72% APR); 42-month MF is 0.00295 (7.08% APR) — avoid both.
RDX SH-AWD — Sample Payment (36-month / 12K miles)
Apply any conditional incentive as cap cost reduction to reduce payment further.
RDX Verdict
The strongest lease in the current Acura 2026 lineup on pure rate. At 3.53%, the rent charge on even the top A-Spec Advance is modest. The program didn't change from March — the only addition is a 42-month option you should ignore. Stick to 36 months (or 24 if the shorter commitment works), apply whatever conditional incentive you qualify for, and note the 39/42-month cliff.
Integra 2026 — Rate Unchanged, Loyalty Stack $4,250
The non-Type-S Integra runs 0.00181 (4.34% APR) at both 24 and 36 months — same as March. The trap is still at 39 months (0.0028) and 42 months (0.00295). The change from March is incentives: loyalty programs stack to $4,250 total (Integra AFS Loyalty $2,000 + Allegiance $750 + AFS Lease Loyalty $1,500) for existing Acura lessees. Conquest = $2,000 (mutually exclusive with loyalty). Military +$750, college grad +$500 stack on either. Loyalty-route max = $5,500; conquest-route max = $3,250. There is also $500 in dealer cash (Captive Lease Offer), pass-through not guaranteed. The base is $0 — nothing unconditional. Residuals are unchanged: 61% at the base CVT, 60% A-Spec, 59% A-Spec Technology and Manual A-Spec Technology.
The Integra Type S program is the same as March: 0.0038 (9.12% APR) at 24 months — the trap — and 0.0028 at 36 and 39 months. The 66% residual on the Type S still stands out: at 36 months with a 66% residual the depreciation component is low despite the $54,695 price tag. The 24-month option on the Type S remains the one thing to avoid.
| Integra Trim (2026) | MSRP | MF (24+36mo) | 39-mo MF | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| CVT (Base) | $34,695 | 0.00181 | 0.0028 ⚠ | 61% | ~$477 |
| CVT A-Spec | $37,245 | 0.00181 | 0.0028 ⚠ | 60% | ~$522 |
| CVT A-Spec Technology | $40,495 | 0.00181 | 0.0028 ⚠ | 59% | ~$578 |
| Manual A-Spec Technology | ~$40,495 | 0.00181 | 0.0028 ⚠ | 59% | ~$578 |
| Type S Manual (separate program) | $54,695 | 0.0038 (24mo) ⚠ | 0.0028 | 66% | ~$771 |
*Pre-tax, 36mo/12K, cap cost = MSRP (no base incentive). Non-Type-S: 24 and 36-month rates are identical at 0.00181 — trap starts at 39 months. Type S: 24-month is the trap (0.0038); use 36 months at 0.0028.
Integra Verdict
Same rate as March. For a $34–40K compact the program is competitive — base at ~$477/mo and A-Spec at ~$522/mo hold up well. The loyalty stack ($4,250) is significant at this price point — applied as CCR it drops the base ~$115/mo, the A-Spec ~$118/mo. Conquest ($2,000) delivers ~$55/mo savings. Nothing is unconditional — verify eligibility before counting on any of it. Avoid 39 months — the rate jump to 0.0028 costs you ~$55/month on the base trim in rent charge alone, before any depreciation math. The Type S is the same: 66% residual, $771/mo at 36 months, and the 24-month rate is a hard avoid.
ADX 2026 — New Model Year, 4.85% APR at 24 and 36 Months
The 2026 ADX replaces the 2025 in the rate sheet this month. MF is 0.00202 (4.85% APR) at 24 and 36 months — slightly higher than the 2025's 0.00144 (3.46% APR), but the 2026 adds FWD variants that weren't in the prior year data. The trap pattern is consistent with RDX and Integra: 39 months jumps to 0.0028, and 42 months to 0.00295. Both are avoidable.
Residuals hold strong at the base level — 62% at 36/12K for both FWD and AWD base trims. A-Spec drops to 60% and A-Spec Advance to 59%. The ADX has $0 universal incentive — no dealer cash, nothing unconditional. Conditional programs: loyalty up to $3,250 (Allegiance $750 + ADX AFS Loyalty $1,000 + AFS Lease Loyalty $1,500, stackable), conquest $1,000 (mutually exclusive with loyalty), military +$750, college grad +$500.
| ADX Trim (2026) | Drive | MF (24/36mo) | 39-mo MF | RV (36/12K) |
|---|---|---|---|---|
| Base | FWD / AWD | 0.00202 | 0.00280 ⚠ | 62% |
| A-Spec | FWD / AWD | 0.00202 | 0.00280 ⚠ | 60% |
| A-Spec Advance | FWD / AWD | 0.00202 | 0.00280 ⚠ | 59% |
FWD and AWD variants carry the same MF and residual. 42-month MF is 0.00295 (7.08%) — same as 39-month trap. No unconditional incentive on the ADX.
ADX Base — Sample Payment (36-month / 12K miles)
No unconditional incentive on ADX. With loyalty ($3,250 CCR) → ~$387/mo; conquest ($1,000 CCR) → ~$454/mo. MSRP is approximate based on available data.
ADX Verdict
The 2026 ADX runs a higher rate than the 2025 (4.85% vs 3.46%), but the 62% residual on the base is strong. There is no unconditional incentive on the ADX — and no guaranteed cash on any Acura model in April. All programs are conditional. Loyalty stackers ($3,250 CCR) get to ~$387/mo; conquest buyers ($1,000 CCR) to ~$454/mo. FWD and AWD share the same residual, so the AWD premium is purely MSRP-driven. Keep it to 36 months — the 39 and 42-month rates are the same dead-end as on the RDX and Integra.
2026 Acura Lineup — April at a Glance
| Model | Base MSRP | MF (36mo) | APR | Best RV | ~Monthly* | Base Incentive | Term trap |
|---|---|---|---|---|---|---|---|
| RDX 2026 | $46,550 | 0.00147 | 3.53% | 60% | ~$627 | $0 (conditional) | 39-mo (6.72%) |
| Integra 2026 | $34,695 | 0.00181 | 4.34% | 61% | ~$477 | $0 (conditional) | 39-mo (6.72%) |
| MDX 2026 | $53,250 | 0.00191 | 4.58% | 59% | ~$768 | $0 (conditional) | None (flat) |
| ADX 2026 | ~$35,000 | 0.00202 | 4.85% | 62% | ~$484 | $500 | 39-mo (6.72%) |
| MDX Type S 2026 ↓ rate cut | $77,300 | 0.00191 | 4.58% | 54% | ~$1,215 | $0 (conditional) | None (flat) |
| Integra Type S 2026 | $54,695 | 0.00280 | 6.72% | 66% | ~$771 | $0 (conditional) | 24-mo (9.12%) |
*Pre-tax, 36mo/12K, cap cost = base trim MSRP (no incentive applied). ADX MSRP is approximate. Sorted by MF ascending. MDX and MDX Type S are the only models with no term penalty — rate is flat from 24 to 42 months.
Payment Calculation Assumptions
- Cap cost = base trim MSRP. No dealer discount, no cap cost reduction, no down payment. Every dollar negotiated off MSRP and every dollar of incentive applied as CCR reduces your payment proportionally.
- Term: 36 months / 12,000 miles per year. All residuals use the 12K tier. 7,500 and 10,000 mile tiers carry higher residuals; 15,000 mile tier is lower.
- Pre-tax and pre-fees. Add your state's lease tax rate, Acura's acquisition fee (~$595), dealer doc fee, and first-month payment at signing.
- MF is the published base rate. Acura dealers can mark up the money factor — typically 0.0010 to 0.0015 above the buy rate. On a $50–70K vehicle that adds $30–60/month. Always ask for the buy rate before signing.
- Region: Northeast. Data from Northeast AFS rate sheets. Other regions may vary.
- Incentives are conditional except on the ADX. The $500 ADX base incentive is unconditional. All MDX, RDX, and Integra incentives require loyalty (current/prior Acura lessee or owner) or conquest (switching from a competitor brand). Verify eligibility before counting on them in your payment calculation.
Data sourced from American Honda Finance rate sheets (Acura), Northeast region, April 2026. Residuals and money factors change monthly. MSRP figures from Acura's published pricing; ADX MSRP approximate.
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